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I'm 45 years old. I'm single, widow, mom of two. My kids are 12 and 15. I do well financially. I get Social Security. I put all my money away that I can for HSA and retirement and everything. So I'm doing well. My only debt is my

mortgage and I should pay that off in the next 10 months. I have 15,000 left on it. I have a 3%

interest rate on it. So doing well. So my question is back at the start of COVID, some friends

told me I should invest money in the stock market

because of that dropped. And they kind of helped me through it. I opened an account.

I had some of my husband's life insurance money I put into it. It was about $270,000.

And over the last five years, I've done a little investing, not a ton, but some.

And now I am at $1.1 million. So I've done really well. Yeah. What to go.

Yeah. So I don't, I don't know this year when I hit the million mark, I kind of got nervous

about it. And I don't know if I should when I hit the million mark, I kind of got nervous about it.

And I don't know if I should just keep going, if I should start to sell.

Because I have over $500,000 and unrealized gains that, you know, could go.

So I just, I don't know kind of what I should do with it.

Okay.

So, well, what we teach and what I have done personally is I invest in good growth stock mutual funds.

I don't buy and sell single stocks.

And the reason I don't is the data tells us that over time, what you've pulled off, congratulations, is not sustainable.

The research tells us that that's, you know, for instance, people, you're not doing this, but people who are day trading, they're buying and selling all during the day,

97% of them lose money within a year.

Okay.

So that's an example. Okay. That's people that think they can beat the system. Now,

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